Experience the simplicity and convenience of Call Federal’s free checking account – no minimum balances, no monthly service fees, and even dividends based on your balance.

Benefits of a Checking Account*

FREE Checking Account

Enjoy banking with $0 monthly maintenance fees or service charges and no minimum balance requirements.

Mobile and Online Banking

Manage your accounts anytime, anywhere with our convenient mobile app and online banking services.

Contactless Debit Cards

Get your contactless Visa® debit card instantly upon opening your account. Replacing your card is just as quick and hassle-free.


Conveniently access your eStatements online in just a few clicks.

Rates for Checking Account

Dividend Rate/Annual Percentage Yield (APY)

Checking Account

0.5% / 0.5%†


Simple Application Process to Become A Member



Get Started

Opening a free checking account is easy. First, fill out our membership application form.



Prepare Requirements

Provide your valid DMV-issued ID with your current address when we meet. If your ID doesn’t have the correct address, provide a utility bill as proof.



Get Your Contactless Visa Debit Card instantly

We make the process easy so you can be on your way with a contactless Visa debit card and enjoy the benefits of our membership.



Checking Account – Getting Started

Complete this form and a member of our team will contact you to help you open your checking account.

  • This field is for validation purposes and should be left unchanged.


“Call Federal works constantly to improve. They aren’t just looking for new ways to charge unnecessary fees. Instead, they work to make their members feel appreciated.”
– Kristen H., Chesterfield

Free Checking Account FAQ

What are the advantages of a checking account from a credit union?

Credit unions exist to serve their members, not outside stockholders. For Call Federal, that means we can offer lower interest rates on loans, higher rates on deposits, and fewer fees to our members in the Greater Richmond metro area. A free checking account from our credit union offers these benefits:

  • We can pass our revenue back to you because we’re not-for-profit.
  • You get better rates and no fees – or lower fees on certain accounts.
  • You get easy and convenient access to your accounts with our mobile and online banking services.
  • We can help explain all terms and conditions and communicate any other restrictions that may apply to your credit union free checking account.
  • We can listen to your story and work with you to improve your credit and get you the financing you need.
  • And many more! Learn more about our membership benefits here.

If you’re looking for a financial institution that prioritizes your needs, please contact us. We’re here to serve you and help you achieve your financial goals.

Do I need to be a member to open a checking account?

Yes, membership is required to open our free checking account. Simply open an account by filling out this form online to become a member and enjoy all the benefits Call Federal has to offer.

If you live, work, worship, or attend school in the Richmond metropolitan statistical area, you’re eligible for membership!

More Call Federal Financing Tools

Mobile Check Deposit

Save a trip to a branch or ATM by using Mobile Deposit via our mobile banking app. Simply snap photos of both sides of the check, verify the amount, and complete the process! Deposit multiple checks and receive notifications when the funds have cleared.

Electronic Bill Pay

Why write checks and search for stamps when you can pay your bills quickly and easily online? Every Call Federal checking account comes with free Electronic Bill Pay as part of our online banking offering.

24-7 Account Access

Enroll in our online banking system using your email address & download our mobile app to gain around-the-clock access to your accounts at home or on the go. Check daily balance, view debit card purchases, and much more at your convenience.

Nationwide ATM Network

Enjoy fee-free access to your funds when using your Call Federal Visa Debit card at Sheetz, Wawa, or Publix. Through participation in Credit Union Service Centers program and our partnership with CU24, you also have access to a nationwide network of surcharge-free ATMs and branches so you can bank even when you’re away from home.

Personal Line of Credit

Members or checking account holders with Call Federal can apply for a personal line of credit. Funds are accessible by visiting a branch or via online banking. With no fees or collateral needed, these loans are great for unexpected expenses and overdraft protection.

Customized Debit Cards

Give your debit card some personality with your favorite photo for the low price of $10. It only takes a few clicks to proudly show off family, pets, places, or a special moment. Simply upload your photo and complete the order. Your new card will arrive at your mailbox in approximately 7-10 business days. Image Requirements.

*Rates may change after account is open. Listed APY is current as of March 26, 2024. Fees may reduce earnings.

Learn More about Checking at Call Federal

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Call Us

Our member service team is ready to answer your questions about banking with Call Federal.

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Visit A Branch

You can open a checking account at any of our six convenient branch locations.

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More Great Features

View even more features of Call Federal membership on our Convenience Services page